TransferMate has completed a full global rollout of Vivox AI’s next-generation Know Your Business (KYB) automation platform.
The deployment marks a significant step in the company’s strategy to scale compliance operations while maintaining robust regulatory standards across multiple jurisdictions.
The new platform was introduced to support TransferMate’s rapid expansion across Asia Pacific and other high-growth regions. Rising onboarding volumes and increasing due diligence complexity created the need for a scalable compliance operating model capable of absorbing growth without compromising regulatory rigour. As the company entered new markets, it sought to accelerate KYB workflows, ensure consistency across regions and remain aligned with evolving global regulatory expectations.
TransferMate operates the largest regulated FinTech payments infrastructure globally, holding 100 licences and serving customers across APAC, the Americas and Europe. Its infrastructure enables cross-border B2B payments for a wide range of industries, embedding payments capabilities directly into partner platforms. Given its regulatory footprint and multi-jurisdictional reach, maintaining strong AML and customer due diligence standards is central to its operating model.
Vivox AI’s platform enables compliance teams to analyse up to 100 complex corporate documents and registries per case. It identifies ultimate beneficial owners, shareholders and directors, conducts sanctions, PEP and adverse media screening, and generates complete CDD or EDD reports. The system supports onboarding across more than 100 countries and can process multiple document formats, including large files and low-quality images.
The solution orchestrates an enterprise-grade workflow powered by an ensemble of specialised models, more than 24 integrated verification and screening APIs and over 35 AI models. This architecture is designed to deliver high levels of accuracy, consistency and auditability throughout the KYB review lifecycle.
A key feature of the deployment is a self-learning AI agent operating within Vivox AI’s governance framework. During the first two weeks of live production, the system incorporated feedback from TransferMate’s senior analysts. As a result, the quality approval rate of AI-generated outcomes rose from approximately 60% to around 80%, demonstrating measurable improvement through structured human-in-the-loop learning.
Vivox AI also configured governance and control modules aligned with TransferMate’s internal policies and procedures. The framework continuously evaluates AI agents against defined risk, quality, explainability and human oversight criteria, supporting regulatory compliance and ongoing assurance. The programme will be complemented by independent AI assurance to validate safety, governance and regulatory alignment, reinforcing TransferMate’s commitment to responsible innovation.
TransferMate Global Head of AML Alex Clements said, “We operate in a fast-moving regulatory landscape, and maintaining compliance excellence is fundamental to how we scale. As we expand into new regions, we must increase onboarding capacity without compromising the rigour of our due diligence processes. Vivox AI has enabled us to compress timelines significantly while enhancing the depth, consistency and auditability of every review. Crucially, it augments our compliance team while keeping humans firmly in the loop.”
Vivox AI Founder and CEO Tim Khamzin said, “TransferMate’s implementation demonstrates how responsible, transparent AI can deliver measurable impact at scale. The deployment aligns with evolving regulatory expectations, from the EU AI Act to recent FCA and Singaporean frameworks, while maintaining strong governance and auditability across jurisdictions. Their ability to move rapidly from planning to full operational use reflects a strong adoption culture and a clear vision for how AI agents can empower compliance teams.”
TransferMate Global Head of AML Alex Clements added, “The level of detail in Vivox’s AI governance framework gives me confidence that we can demonstrate robust controls during audits and regulatory inspections relating to AI use.”
The rollout reflects a broader shift across regulated financial services towards trusted, auditable and regulatory AI technologies that enable operational growth while strengthening governance and control.
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